I’m not so sure I am sometimes. It doesn’t take an accident or illness to let me know that I am insurance poor quite often. The rising cost of healthcare and co-pays for procedures quite often leave me wondering. One thing I don’t want to be lacking in is Income Protection. Knowing that accidents happen and often do, I can’t afford to be without my income even for a week. If I don’t work, I don’t get paid.
There was a time in my life it seemed I was a walking bruise, as I fell down stairs, hit my head or fell off my bicycle on a fairly regular basis. My mom had me in the emergency room twice in three months with the same broken collar-bone once, and I can only imagine the cost. Accidents like that, though catch us off guard. Raising my own kids, there were several trips to the emergency room, one with a concussion, one with stitches, and another banged up. Depending on what comes out of it, whether it’s x-rays, CT-Scans or sutures, it isn’t covered 100 percent by insurance, and the out of pocket expenses add up.
Then, if there is time off from work, which for me is costly, my bills don’t get paid on time. Lately it seems there are a lot of people like me, who either telecommute or freelance because of the economy, and so many of us are working the type of jobs for which time off is a limited option.
Since accidents happen when we least expect them, especially with kids, an Accident Fixed-Benefit policy only makes sense. With Accident-fixed benefit insurance you get the help you need to pay the out-of-pocket costs when an accident happens, so you can pay your bills. It works with any other plan you have, and doesn’t matter which doctor or hospital you use. Essentially, the benefit pays cash directly to you as soon as you have a covered accident.
Make sure you’re ready for the inevitable. Accidents are bound to happen, it’s just a matter of when. Call an AC Financial Adviser at (800) 564-3136 to talk about Accident Fixed Benefit Insurance.
